![Brian Urlacher [Refractor] #TC40 (Football Cards 2007 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/MlIAAeSwqYlqSt4Z/s-l1600.jpg)
Is Brian Urlacher [Refractor] #TC40 worth grading?
Football · Football Cards 2007 Topps Chrome · full price guide →
Grading rarely pays for this card
PSA 10 copies of Brian Urlacher [Refractor] #TC40 sell for $26.50, only $21.07 above the $5.43 raw price — less than an economy-tier grading fee. A PSA 9 ($22.00) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.
- Raw (NM)
- $5.43
- PSA 10
- $26.50
- PSA 9
- $22.00
- Gem premium
- 4.9×
- As of
- Jul 11, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $26.50 | −$3.93 | −$28.93 | −$129 |
| PSA 9 | $22.00 | −$8.43 | −$33.43 | −$133 |
| PSA 8 | $20.00 | −$10.43 | −$35.43 | −$135 |
Net = sale price − $5.43 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Expected value — how often does it need to gem?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $23.13 | −$32.30 |
| 50% | $24.25 | −$31.18 |
| 75% | $25.38 | −$30.05 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $34.00 | best | 55/45 | 70/30 |
| PSA 10 | $26.50 | −$7.50 | 55/45 | 75/25 |
| CGC 10 | $16.00 | −$18.00 | 55/45 | 75/25 |
| SGC 10 | $16.00 | −$18.00 | 55/45 | 75/25 |
Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.
Full grade ladder
Raw conditions & history →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $26.50 | $16.00 | $34.00 | $16.00 | — |
| 9.5 | — | — | — | — | $26.00 |
| 9 | — | — | — | — | $22.00 |
| 8 | — | — | — | — | $20.00 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2007 Topps Chrome cards worth checking
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![Calvin Johnson [Refractor] #TC200 2007 Topps Chrome card](https://i.ebayimg.com/images/g/OmQAAeSwmbxqST~I/s-l500.jpg)
![Calvin Johnson [Xfractor] #TC200 2007 Topps Chrome card](https://i.ebayimg.com/images/g/llQAAeSwIo5qSwpG/s-l500.jpg)
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Grading Brian Urlacher [Refractor] #TC40 — FAQ
Is Brian Urlacher [Refractor] #TC40 worth grading?
PSA 10 copies of Brian Urlacher [Refractor] #TC40 sell for $26.50, only $21.07 above the $5.43 raw price — less than an economy-tier grading fee. A PSA 9 ($22.00) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.
How much is a PSA 10 Brian Urlacher [Refractor] #TC40 worth compared with raw?
A PSA 10 Brian Urlacher [Refractor] #TC40 (Football Cards 2007 Topps Chrome) sells for about $26.50 versus $5.43 for a raw near-mint copy — a 4.9× premium as of Jul 11, 2026.
Which grading company is best for Brian Urlacher [Refractor] #TC40?
By resale value, BGS 10 leads at $34.00, ahead of PSA 10 at $26.50. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Brian Urlacher [Refractor] #TC40 need for a BGS 10?
BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.
Is your football card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
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